{"ok":true,"canonical_url":"https://dealroom.so/glossary/non-community-property-state","api_url":"https://dealroom.so/api/public/glossary/non-community-property-state","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"non-community-property-state","term":"Non-community property state","group":"People and paperwork","definition":"A state where assets acquired during marriage are generally considered the separate property of each spouse, unless specifically titled jointly. This distinction significantly impacts how a lender assesses available collateral and who must provide a personal guarantee.","what_it_means":"In these states, your spouse's assets may not automatically be considered part of the collateral for an SBA loan, nor are they necessarily subject to your personal guarantee unless your spouse explicitly signs. Lenders will still likely require your spouse's guarantee if they own 20% or more of the business or hold substantial collateral that is critical to the loan.","url":"https://dealroom.so/glossary/non-community-property-state","official_sources":[{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"},{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"marital-property-laws","term":"Marital property laws","url":"https://dealroom.so/glossary/marital-property-laws"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"guaranty","term":"Guaranty","url":"https://dealroom.so/glossary/guaranty"}],"related_questions":[{"question":"What documentation is required to verify equity injection from a personal loan secured by non-pledged investment property?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-to-verify-equity-injection-from-a-personal-loan-secured-by-"},{"question":"When is an SBA Form 912 (Statement of Personal History) required for a non-owner guarantor?","url":"https://dealroom.so/for-lenders/questions/when-is-an-sba-form-912-statement-of-personal-history-required-for-a-non-owner-guarantor"},{"question":"When is an SBA Form 912 (Statement of Personal History) specifically required for a non-owner guarantor?","url":"https://dealroom.so/for-lenders/questions/when-is-an-sba-form-912-statement-of-personal-history-specifically-required-for-a-non-owne"},{"question":"When is a personal financial statement (SBA Form 413) required for non-owner guarantors of a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-is-a-personal-financial-statement-sba-form-413-required-for-non-owner-guarantors-of-a"},{"question":"Will outstanding state or local tax liens on the business affect SBA 7(a) loan eligibility?","url":"https://dealroom.so/sba-7a/questions/will-outstanding-state-or-local-tax-liens-on-the-business-affect-sba-7-a-loan-eligibility"},{"question":"What if the business I'm acquiring currently owes money to the IRS or state tax authorities?","url":"https://dealroom.so/sba-7a/questions/what-if-the-business-i-m-acquiring-currently-owes-money-to-the-irs-or-state-tax-authoritie"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Non-community property state","url":"https://dealroom.so/glossary/non-community-property-state","source_type":"DealRoom Data"}}